e-Contract
ActiveSummary
e-Contract has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €278,553 and a net result of €364,946. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 29% of 2729 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+40
Solvency47▲+30
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22,000 at 30 days acceptable
Liquidity tight (current ratio 1.09 against 0.82 in 2024; short-term debt: 78.2% and cash: 53.2% of total assets), and 78.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
21.5%
Return on assets
28.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
28 d late
2023
19 d early
2022
on the day
2021
on the day
2020
15 d early
2019
25 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€278,553
2024 · -€86,393
Total assets
€1.3m▲ 19.4%
2024 · €1.1m
Net result
€364,946
2024 · -€79,572
Working capital
€86,586
2024 · -€162,690
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€268,673▼ 16.9%-€324,768-€593,558▼ 82.8%-€36,490▲ 93.9%€401,185
Net result€220,052above the sector's middle half▼ 13.2%-€337,043below the sector's middle half-€601,770below the sector's middle half▼ 78.5%-€79,572below the sector's middle half▲ 86.8%€364,946above the sector's middle half
Equity€931,992above the sector's middle half▲ 30.9%€594,949within the sector's middle half▼ 36.2%-€6,821below the sector's middle half-€86,393below the sector's middle half▼ 1,167%€278,553within the sector's middle half
Total assets€1.9mabove the sector's middle half▲ 25.7%€1.7mabove the sector's middle half▼ 12.4%€1.2mwithin the sector's middle half▼ 32.1%€1.1mwithin the sector's middle half▼ 5.9%€1.3mabove the sector's middle half▲ 19.4%
Debt€1.0m▲ 21.2%€1.1m▲ 9.7%€1.2m▲ 5.2%€1.2m▲ 1.0%€1.0m▼ 13.3%
Working capital€418,572above the sector's middle half▼ 8.1%€156,999within the sector's middle half▼ 62.5%-€301,538below the sector's middle half-€162,690below the sector's middle half▲ 46.0%€86,586within the sector's middle half
Solvency48.2%within the sector's middle half▲ 1.9pp35.1%within the sector's middle half▼ 13.1pp-0.6%below the sector's middle half▼ 35.7pp-8.0%below the sector's middle half▼ 7.4pp21.5%within the sector's middle half▲ 29.5pp
Current ratio1.43within the sector's middle half▼ 0.151.18within the sector's middle half▼ 0.250.66below the sector's middle half▼ 0.520.82below the sector's middle half▲ 0.161.09within the sector's middle half▲ 0.27
Return on assets (ROA)11.4%within the sector's middle half▼ 5.1pp-19.9%below the sector's middle half▼ 31.3pp-52.3%below the sector's middle half▼ 32.4pp-7.3%below the sector's middle half▲ 45.0pp28.2%above the sector's middle half▲ 35.6pp
Staff (FTE)4.1within the sector's middle half▼ 4.7%3.4within the sector's middle half▼ 17.1%2within the sector's middle half▼ 41.2%4.8within the sector's middle half▲ 140%7.8within the sector's middle half▲ 62.5%
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €401,185 after a loss of €36,490 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€194,897 ▼ 43.7%
Current assets
€1.1m ▲ 49.0%
Equity and liabilities €1.3m
Equity
€278,553
Debt
€1.0m
Debt finances 78.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€622,691▲
2024 · €301,378
Cash flow
€586,452▲
2024 · €258,295
Debt to equity
3.64▲
2024 · -13.54
ROE
131.0%
Interest coverage
15.48▲
2024 · 6.52
Debt ≤ 1 year
€1.0m▲
2024 · €899,371
Income taxes
€0▼
2024 · €11
Staff costs
€361,067▲
2024 · €232,193
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,053 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 96% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
2.3%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,053 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €89,490 | €3,390 | €0 | €127,561 | €325,229 | ▲ 155% |
| Remuneration, social security and pensions62 | €149,811 | €148,516 | €113,856 | €232,193 | €361,067 | ▲ 55.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €163,591 | €312,659 | €386,913 | €337,868 | €221,506 | ▼ 34.4% |
| Other operating charges640/8 | €1,895 | €8,524 | €1,571 | €1,532 | €2,364 | ▲ 54.3% |
| Non-recurring operating charges66A | €13,938 | €0 | - | €8,679 | €96,584 | ▲ 1,013% |
| Gross operating margin9900 | €597,908 | €144,931 | -€91,218 | €543,782 | €1.1m | ▲ 99.1% |
| Operating profit (loss)9901 | €268,673 | -€324,768 | -€593,558 | -€36,490 | €401,185 | ▲ 1,199% |
| Financial income75/76B | €2,564 | €2,018 | €2,305 | €3,153 | €3,986 | ▲ 26.4% |
| Recurring financial income75 | €2,564 | €2,018 | €2,305 | €3,153 | €3,986 | ▲ 26.4% |
| Financial charges65/66B | €7,876 | €13,913 | €6,433 | €46,224 | €40,225 | ▼ 13.0% |
| Recurring financial charges65 | €7,876 | €13,913 | €6,433 | €46,224 | €40,225 | ▼ 13.0% |
| Profit (loss) for the period before taxes9903 | €263,361 | -€336,662 | -€597,686 | -€79,561 | €364,946 | ▲ 559% |
| Income taxes67/77 | €43,310 | €381 | €4,084 | €11 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €220,052 | -€337,043 | -€601,770 | -€79,572 | €364,946 | ▲ 559% |
| Profit (loss) for the period to be appropriated9905 | €220,052 | -€337,043 | -€601,770 | -€79,572 | €364,946 | ▲ 559% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.9m | €1.7m | €1.2m | €1.1m | €1.3m | ▲ 19.4% |
| Fixed assets21/28 | €539,496 | €671,894 | €559,180 | €346,261 | €194,897 | ▼ 43.7% |
| Intangible fixed assets21 | €524,288 | €648,492 | €526,325 | €320,588 | €164,330 | ▼ 48.7% |
| Tangible fixed assets22/27 | €6,208 | €23,402 | €32,856 | €25,673 | €18,888 | ▼ 26.4% |
| Plant, machinery and equipment23 | €3,368 | €4,813 | €3,379 | €1,946 | €841 | ▼ 56.8% |
| Furniture and vehicles24 | €2,841 | €4,038 | €14,340 | €10,597 | €6,922 | ▼ 34.7% |
| Other tangible fixed assets26 | - | €14,551 | €15,136 | €13,130 | €11,125 | ▼ 15.3% |
| Financial fixed assets28 | €9,000 | €0 | - | - | €11,680 | - |
| Current assets29/58 | €1.4m | €1.0m | €591,405 | €736,682 | €1.1m | ▲ 49.0% |
| Amounts receivable within one year40/41 | €792,391 | €760,306 | €493,124 | €514,985 | €409,488 | ▼ 20.5% |
| Trade receivables40 | €716,725 | €645,801 | €408,108 | €425,081 | €313,097 | ▼ 26.3% |
| Other amounts receivable41 | €75,666 | €114,505 | €85,016 | €89,903 | €96,391 | ▲ 7.2% |
| Cash at bank and in hand54/58 | €534,979 | €255,003 | €95,511 | €221,415 | €687,381 | ▲ 210% |
| Deferred charges and accrued income490/1 | €67,763 | €8,078 | €2,770 | €282 | €840 | ▲ 198% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.9m | €1.7m | €1.2m | €1.1m | €1.3m | ▲ 19.4% |
| Equity10/15 | €931,992 | €594,949 | -€6,821 | -€86,393 | €278,553 | ▲ 422% |
| Contributions10/11 | €37,200 | €37,200 | €37,200 | €37,200 | €37,200 | = |
| Reserves13 | €894,792 | €557,749 | €557,749 | €557,749 | €557,749 | = |
| Tax-exempt reserves132 | €18,750 | €18,750 | €18,750 | €18,750 | €18,750 | = |
| Distributable reserves133 | €876,042 | €538,999 | €538,999 | €538,999 | €538,999 | = |
| Profit (loss) carried forward14 | - | - | -€601,770 | -€681,342 | -€316,396 | ▲ 53.6% |
| Amounts payable17/49 | €1.0m | €1.1m | €1.2m | €1.2m | €1.0m | ▼ 13.3% |
| Amounts payable after more than one year17 | €15,170 | €0 | - | - | - | - |
| Financial debts170/4 | €15,170 | €0 | - | - | - | - |
| Amounts payable within one year42/48 | €976,561 | €866,388 | €892,942 | €899,371 | €1.0m | ▲ 12.4% |
| Current portion of amounts payable after more than one year42 | €22,108 | €15,213 | €0 | - | - | - |
| Financial debts43 | €26,356 | €20,102 | €0 | - | - | - |
| Credit institutions430/8 | €26,356 | €20,102 | €0 | - | - | - |
| Trade debts44 | €692,836 | €612,465 | €395,312 | €89,848 | €162,648 | ▲ 81.0% |
| Suppliers440/4 | €692,836 | €612,465 | €395,312 | €89,848 | €162,648 | ▲ 81.0% |
| Taxes, remuneration and social security45 | €60,465 | €42,927 | €17,643 | €36,536 | €44,202 | ▲ 21.0% |
| Taxes450/3 | €45,961 | €34,173 | €4,165 | €13,191 | €17,798 | ▲ 34.9% |
| Remuneration and social security454/9 | €14,503 | €8,754 | €13,478 | €23,344 | €26,404 | ▲ 13.1% |
| Other amounts payable47/48 | €174,796 | €175,681 | €479,988 | €772,987 | €804,274 | ▲ 4.0% |
| Accrued charges and deferred income492/3 | €10,907 | €233,945 | €264,464 | €269,965 | €2,930 | ▼ 98.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €220,052 | -€337,043 | -€601,770 | -€79,572 | €364,946 | ▲ 559% |
| + Depreciation and write-downs630 | €163,591 | €312,659 | €386,913 | €337,868 | €221,506 | ▼ 34.4% |
| Operating cash flow (approximation) | €383,642 | -€24,384 | -€214,857 | €258,295 | €586,452 | ▲ 127% |
| Investment in fixed assets (approximation) | - | -€445,057 | -€274,199 | -€124,949 | -€70,142 | ▲ 43.9% |
| Change in cash | - | -€279,976 | -€159,492 | €125,904 | €465,966 | ▲ 270% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €364,946
Net result €364,946 after 3 loss-making years.
31-12
Financial
Equity above €200,000Eq €278,553
Equity rises from -€86,393 to €278,553.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet -€601,770
Net result drops to -€601,770, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500,000Eq €711,940 ▲73.3%
3 profitable years in a row build equity to €711,940.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 15 acts read
About the unread acts
We know of 15 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
15 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Zaventem · 2 establishment units since 2007
Ground area
9,582 m²
Building footprint
2,795 m²
Volume, LiDAR
29,251 m³
2 parcels, Flanders · tallest building 20.9 m, ±4 floors. Linked by address, not a title deed.
64
companies at this address
See who is registered here
2 establishment units
e-Contract
since 20072.166.325.546
Leuvensesteenweg 643, 1930 Zaventem
since 20242.365.639.760
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71326F0010/00C003 | Flanders | 5,413 m² | 1 · 1,479 m² | 20.9 m · 4 fl. |
| 23057B0120/00D000 | Flanders | 4,170 m² | 1 · 1,315 m² | 15.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,214 companies in sector 62900 we hold annual accounts for 1,746. 1,269 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-10-2007
Fiscal year end31-12
Activities, NACEBEL 2025
62900Other information technology and computer services
63100Computing infrastructure, data processing, hosting and related activities
70200Business and other management consultancy
Contact
Website
/www.aanbieders.beHasselt
E-mail
info@aanbieders.beHasselt
Phone
0474965935Hasselt
E-invoicing
Reachable via Peppol
Peppol ID
0208:0892798886
Also
9925:BE0892798886
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.